Loan Portfolio Management for Any Size Credit Union
Bill Vogeney, SVP/Chief Lending Officer, Ent FCU, Colorado Springs, CO
~ Sponsored by DocuSign
In managing portfolio credit risk, many credit unions suffer from a lack of available data. They may have the necessary data in their origination system, but not in their core system. In this session, Bill Vogeney shares with you 20+ years of portfolio management experience with two different credit unions and sets of available data, along with ideas developed from consulting with smaller credit unions. Regardless of your credit union’s size, there are ways you can extract data and utilize it to make effective portfolio management decisions.
The New Benchmarks for Lending
Terence Roche, Principal, Cornerstone Advisors, Inc., Scottsdale, AZ ~ Sponsored by DocuSign
Credit unions increasingly are looking for technology to increase the efficiency and cost of delivery in lending functions. One of the challenges in doing this is finding good, credible peer data that can be used to set and improve loan productivity.
In this session, we will answer these questions:
How do credit unions build a scorecard that can be used to make significant improvements to delivery and productivity?
What are Cornerstone’s scorecard components for lending – mortgage, consumer, and small business?
What are the key differences between a “low (25th percentile) performer and a “high” (75th percentile) performer, whose performance can be twice as high?
What are “game changer” ideas credit unions can use to recreate the lending process?
How should productivity metrics be balanced with other service and delivery standards to keep the right focus on both?
As part of this session, Cornerstone will provide a sample scorecard and dashboard to attendees.
5:15– 6:00 p.m.
ORIENTATION FOR FIRST TIME ATTENDEES
We invite all conference first-time attendees to join us at this event. Meet the Council executive committee and find out what our conference is all about.
6:00 – 8:00 p.m.
WELCOME RECEPTION- Meet Your Sponsors ~ Sponsored by CUNA Mutual Group
CONFERENCE WELCOME
Aaron Bresko, VP Lending, BECU, Seattle, WA
8:15 – 9:15 a.m.
KEYNOTE ADDRESS
Are You Still Relevant?
(aka “How to win more market share in a recovering economy.”)
Ross Shafer, Ross Shafer Seminars, Parker, CO
~ Sponsored by TransUnion
We all saw globally-recognized brands shrink or die during the recession. Conversely, we witnessed young, nimble companies swoop in to dominate market share.
Could that happen to you? Ross dissects the reasons for the staggering success stories—and he pinpoints the warning signs that were ignored by those who failed.
Remaining Relevant (to your customers and team members) is the ONLY way to substantially grow your organization during a recovery. If you’re relevant, you can take market share away from your competition. But it won't be easy. You will have to accelerate your "A" Game to earn that market share. And, you will have to re-double your efforts to retain the base you already have. Ross unveils inspiring case studies that span the landscape of retail, manufacturing, B2B, construction, and healthcare. He describes what it will take for your organization to reap incredible rewards during “The Recovery."
9:15– 9:45 a.m.
NETWORKING BREAK - Visits with Sponsors ~ Sponsored by Equifax
9:45 – 11:00 a.m.
BREAKOUT SESSIONS (These sessions repeat)
MBL Workouts and Loss Mitigation
Bob Stowell,SVP/COO, US FCU, Burnsville, MN
Janice Maxwell, VP Business Lending Administration, Arizona State CU, Phoenix, AZ
This session is all about the ‘challenges’ deteriorating business loans can have on the organization due to the economic downturn and what other credit unions have done to survive. This session will discuss through shared dialogue a review of what can go terribly wrong and best practices to reduce or minimize losses understanding that dealing with it now rather than later is sometimes the best use of not only your time but your dollars.
Portfolio Mortgage Products – As a Key Component of Lending Strategies
Jon Paukovich, VP Mortgage Lending, Ent FCU, Colorado Springs, CO Dale Frankhouse, Director Business Services/Mortgage Lending, Sun FCU, Maumee, OH ~ Sponsored by United Guaranty
Most mortgage lenders have portfolio products available to serve borrowers who do not meet GSE requirements. However, portfolio mortgage products can serve a greater purpose than being a last-ditch alternative. Portfolio mortgage products provide an opportunity for your credit union to serve niche member needs, and/or to meet loan growth targets. Our panelists will share examples of portfolio products offered by their credit unions and will facilitate an exchange of portfolio products examples and ideas from attendees as well…the cooperative power of credit unions at its best!
Centralized vs. Decentralized Underwriting: A Panel Discussion
Rick Blood, VP Mortgage & Consumer Lending, US Federal CU, Farmington, MN
Phil Greer, SVP Loans, State Employees CU, Raleigh, NC
Wendy Rohrer, VP Consumer Lending, Summit CU, Madison, WI ~ Sponsored by Willow Capital Group
Quality underwriting paves the way for loan portfolio performance and for quite some time credit union leaders have debated whether underwriting decisions should take place in a central, back-office location or remotely in branches. In this session a panel will examine the pros and cons of decentralized and centralized underwriting and discuss how to effectively design, manage and monitor each model.
Issues for Indirect Lending: A Panel Discussion
James Block, VP Consumer Lending, Baxter CU, Vernon Hills, IL
Keith Reynolds, Community President, CEFCU, Peoria, IL
Mike James, COO, Lending Insights, Ontario, CA ~ Sponsored by Lending Solutions, Inc.
Learn how to successfully manage and sustain dealer relationships. Identify ongoing analytics necessary to monitor discipline and consistency in both underwriting and pricing. How do you ensure everyone is “on-board” with your strategy for indirect lending success?
MBL Workouts and Loss Mitigation
Bob Stowell,SVP/COO, US FCU, Burnsville, MN
Janice Maxwell, VP Business Lending Administration, Arizona State CU, Phoenix, AZ ~ Sponsored by PCFS 2000
This session is all about the ‘challenges’ deteriorating business loans can have on the organization due to the economic downturn and what other credit unions have done to survive. This session will discuss through shared dialogue a review of what can go terribly wrong and best practices to reduce or minimize losses understanding that dealing with it now rather than later is sometimes the best use of not only your time but your dollars.
Portfolio Mortgage Products – As a Key Component of Lending Strategies
Jon Paukovich, VP Mortgage Lending, Ent FCU, Colorado Springs, CO Dale Frankhouse, Director Business Services/Mortgage Lending, Sun FCU, Maumee, OH ~ Sponsored by United Guaranty
Most mortgage lenders have portfolio products available to serve borrowers who do not meet GSE requirements. However, portfolio mortgage products can serve a greater purpose than being a last-ditch alternative. Portfolio mortgage products provide an opportunity for your credit union to serve niche member needs, and/or to meet loan growth targets. Our panelists will share examples of portfolio products offered by their credit unions and will facilitate an exchange of portfolio products examples and ideas from attendees as well…the cooperative power of credit unions at its best!
Centralized vs. Decentralized Underwriting: A Panel Discussion
Rick Blood, VP Mortgage & Consumer Lending, US Federal CU, Farmington, MN
Phil Greer, SVP Loans, State Employees CU, Raleigh, NC
Wendy Rohrer, VP Consumer Lending, Summit CU, Madison, WI ~ Sponsored by Willow Capital Group
Quality underwriting paves the way for loan portfolio performance and for quite some time credit union leaders have debated whether underwriting decisions should take place in a central, back-office location or remotely in branches. In this session a panel will examine the pros and cons of decentralized and centralized underwriting and discuss how to effectively design, manage and monitor each model.
Issues for Indirect Lending: A Panel Discussion
James Block, VP Consumer Lending, Baxter CU, Vernon Hills, IL
Keith Reynolds, Community President, CEFCU, Peoria, IL
Mike James, COO, Lending Insights, Ontario, CA ~ Sponsored by Lending Solutions, Inc.
Learn how to successfully manage and sustain dealer relationships. Identify ongoing analytics necessary to monitor discipline and consistency in both underwriting and pricing. How do you ensure everyone is “on-board” with your strategy for indirect lending success?
MBL Lenders Roundtable - “A Three Hour Tour”
Bob Stowell,SVP/COO, US FCU, Burnsville, MN
Janice Maxwell, VP Business Lending Administration, Commercial Administration, Arizona State CU, Phoenix, AZ ~ Sponsored by SWBC
Learning Objective: “A three-hour tour” – this session is for experienced MBL lenders to explore their most critical issues; e.g. Portfolio Management, Loan Loss Reserve Methodology, Examinations, Workouts and OREO’s
2:00– 3:15 p.m.
BREAKOUT SESSIONS
Loan Portfolio Management and Analysis
Steve Miller, Operations Director, Twenty Twenty Analytics, Clearwater, FL ~ Sponsored by Black Book
This session discusses the steps necessary to develop a loan portfolio monitoring tool, (“Multi-Dimensional Portfolio Analysis” or “MDPA”) that will meet regulatory requirements as well as provide management with a tool to manage their portfolio. Topics covered will include analyzing the portfolio results, current and future regulatory requirements, as well as preparing the information to share with your auditors and Supervisory Committees.
REO Management Best Practices
Brian Best, SVP Member Solutions and CLO, GTE Federal CU, Tampa, FL ~ Sponsored by myCUmortgage
An informative session regarding the industry’s best practices on Real Estate Owned processes as well as a closer look at activities within portfolio management that can reduce the potential risk of business and commercial real estate owned.
Credit Card Market Update: A New Opportunity?
Chuck Fagan, VP Sales, PSCU, St. Petersburg, FL
With the impact from the Great Recession along with the CARD Act, the credit card market is a different world today. Is this the time for credit unions to re-enter or reinvigorate their card programs? This session will provide an updated look at the opportunities credit unions have in the credit card industry.
Lending Strategies and Trends
Patrick McElhenie, Corporate Sales Planner, Lending,
CUNA Mutual Group, Madison, WI ~ Sponsored by Auto Exam, Inc.
In response to shrinking profit margins, changes in consumer habits and advancements in technology, the lending environment continues to rapidly change and evolve. So what's the outlook for credit unions? This interactive session will review economic trends and provide a lens into credit union opinions based on research performed by Forrester Research and CUNA Mutual Group, spanning topics such as growth areas by loan type, channels, product development, marketing and advocacy. In this session, Patrick McElhenie, Sales Planner for CUNA Mutual Group, explores new lending trends and share his insights for the road ahead.
Loan Portfolio Management and Analysis
Steve Miller, Operations Director, Twenty Twenty Analytics, Clearwater, FL ~ Sponsored by Black Book
This session discusses the steps necessary to develop a loan portfolio monitoring tool, (“Multi-Dimensional Portfolio Analysis” or “MDPA”) that will meet regulatory requirements as well as provide management with a tool to manage their portfolio. Topics covered will include analyzing the portfolio results, current and future regulatory requirements, as well as preparing the information to share with your auditors and Supervisory Committees.
REO Management Best Practices
Brian Best, SVP Member Solutions and CLO, GTE Federal CU, Tampa, FL ~ Sponsored by myCUmortgage
An informative session regarding the industry’s best practices on Real Estate Owned processes as well as a closer look at activities within portfolio management that can reduce the potential risk of business and commercial real estate owned.
Credit Card Market Update: A New Opportunity?
Chuck Fagan, VP Sales, PSCU, St. Petersburg, FL
With the impact from the Great Recession along with the CARD Act, the credit card market is a different world today. Is this the time for credit unions to re-enter or reinvigorate their card programs? This session will provide an updated look at the opportunities credit unions have in the credit card industry.
Lending Strategies and Trends
Patrick McElhenie, Corporate Sales Planner, Lending,
CUNA Mutual Group, Madison, WI ~ Sponsored by Auto Exam, Inc.
In response to shrinking profit margins, changes in consumer habits and advancements in technology, the lending environment continues to rapidly change and evolve. So what's the outlook for credit unions? This interactive session will review economic trends and provide a lens into credit union opinions based on research performed by Forrester Research and CUNA Mutual Group, spanning topics such as growth areas by loan type, channels, product development, marketing and advocacy. In this session, Patrick McElhenie, Sales Planner for CUNA Mutual Group, explores new lending trends and share his insights for the road ahead.
5:30– 7:30 p.m.
IT’S BACK! CASINO NIGHT
You asked for it and we listened - casino night is back with a bang! Join us for all of your favorite games along with lots of food and beverages. There will be ample opportunities to network with your conference sponsors and attendees. Plus, we’ll leave you plenty of time after the event to explore all that New Orleans has to offer. Guests may join you at this function.
Seemingly Outrageous: Five New Strategies to Fire Up Lending – Now!
Randy Harrington, President, Extreme Arts & Sciences, Eugene, OR
~ Sponsored by Fannie Mae
We all know the old bad news; low volume, thin margins, high risk, more competition blah blah blah. Now here is the new bad news: the market isn’t coming back. There will be no “return to normal.” Call it what you want, an inflection point, a tipping point, a transformation—but the writing on the all is clear: innovate, adapt, or fade away.
Now for the good news: The strategic capability that we call “lending” is essential to every “future ready” consumer enterprise. The skills and knowledge present in successful credit union lending departments can be successfully leveraged in dozens of ways that mean business for you and your members. In other words, you have all the ingredients you need to win the future, but the recipe is going to be different.
Join Randy Harrington Ph.D. for a discussion of five clear and specific strategies that can reinvent lending practices and drive measurable results right away. Be warned however, at first glance these strategies are seemingly outrageous. But on further examination, the logic and the potential shine through. Topics we will cover include:
“Location Aware Lending”: Discover a new way to develop and market lending products that “sell themselves.”
“Experience Lending”: Deliver lending products to members to drive consumer experiences—not just product acquisition.
“Eco-System Lending” Make loans as a part of a more comprehensive financial well-being resource for members.
“Generation Lending”: Discover why seniors may be the hot new lending market.
Leveraging community connections with “Local Trending Lending.”
Says Harrington, “If the strategies you are considering aren’t seemingly outrageous at first glance—you are not thinking hard enough, not pushing the innovation envelope enough.” If you are willing to let go of the idea that everything will be OK if we just hang on, Harrington can show you specific paths to reimagine the potential of your lending resources and new ways to deliver an incredible member experience.
A-Maze-ing Business Lending: How to Make the Green and Avoid the Traps
Dave Purcell, VP Business Services/Real Estate Lending, Travis CU, Vacaville, CA
Fawn Terwilliger, VP Lending, Service CU, Portsmouth, NH
Jeff Schwalen, President, Hiway FCU, St. Paul, MN
~ Sponsored by Coastal Securities, Inc.
Member Business Lending can provide an excellent opportunity for revenue and growth within your credit union. Yet, at a time when significant losses and some credit union failures were caused, in part, by problems in member business lending programs, you need to ensure your credit union has the right blend of expertise in business lending as well as proper staffing levels. Come discover how three credit union executives worked through the MBL maze to build a successful business lending department.
The Fannie Mae National Housing Survey
Vivian P. Jenkins, Strategic Planning Analyst, Fannie Mae, Washington, DC ~ Sponsored by Fannie Mae
The past few years have seen some of the largest changes to housing finance in decades and left many wondering what the future will hold for the industry. The Fannie Mae National Housing Survey is the most extensive consumer survey of housing being done and provides on-going insights to help guide the tough choices you will need to make to refine your business strategy in a changing climate. Join Fannie Mae's Steve Deggendorf, Director of Business Strategy, who will present the latest survey results on the following topics: owning, renting, obtaining a mortgage, underwater and distressed borrowers, household finances, demographic segments, and more.
Successful Loan Promotion Ideas
Stacy Fifield, VP Consumer Lending & Operations Support, Travis CU, Vacaville, CA
Anne Legg, VP Marketing, Cabrillo CU, San Diego, CA
Stacie Wyss-Schoenborn, VP Member Services, BECU, Tukwila, WA ~ Sponsored by Open Solutions, Inc.
Every successful Credit Union uses some sort of promotion to influence members and perspective members. Please join us for a panel discussion where you will learn about cost-effective, easy-to-execute ideas that have the power to increase sales. The key is to find the methods that are appropriate for your business, marketplace, and brand.
Commercial Loan Underwriting: Avoiding Dangerous Pitfalls and Escaping Common Misconceptions Jim Devine, Chairman/CEO, Hipereon, Inc., Redmond, WA ~ Sponsored by CRIF Lending Solutions
Underwriting business loans can be a daunting task. Complicated issues and risks abound. In this interactive session, experienced commercial lending educators Jim Devine will share simple, powerful underwriting principles that, if consistently applied, will immediately improve the quality of your commercial loan decisions. Real-life examples and questions from the audience will bring these simple principles to life and help you identify the quickest ways to improve underwriting performance at your own credit union.
10:45 – 11:00 a.m.
NETWORKING BREAK- Visits with Sponsors
11:00 – 12:15 p.m.
BREAKOUT SESSIONS REPEAT
A-Maze-ing Business Lending: How to Make the Green and Avoid the Traps
Dave Purcell, VP Business Services/Real Estate Lending, Travis CU, Vacaville, CA
Fawn Terwilliger, VP Lending, Service CU, Portsmouth, NH
Jeff Schwalen, President, Hiway FCU, St. Paul, MN ~ Sponsored by Coastal Securities, Inc.
Member Business Lending can provide an excellent opportunity for revenue and growth within your credit union. Yet, at a time when significant losses and some credit union failures were caused, in part, by problems in member business lending programs, you need to ensure your credit union has the right blend of expertise in business lending as well as proper staffing levels. Come discover how three credit union executives worked through the MBL maze to build a successful business lending department.
The Fannie Mae National Housing Survey
Vivian P. Jenkins, Strategic Planning Analyst, Fannie Mae, Washington, DC ~ Sponsored by Fannie Mae
The past few years have seen some of the largest changes to housing finance in decades and left many wondering what the future will hold for the industry. The Fannie Mae National Housing Survey is the most extensive consumer survey of housing being done and provides on-going insights to help guide the tough choices you will need to make to refine your business strategy in a changing climate. Join Fannie Mae's Steve Deggendorf, Director of Business Strategy, who will present the latest survey results on the following topics: owning, renting, obtaining a mortgage, underwater and distressed borrowers, household finances, demographic segments, and more.
Successful Loan Promotion Ideas
Stacy Fifield, VP Consumer Lending & Operations Support, Travis CU, Vacaville, CA
Anne Legg, VP Marketing, Cabrillo CU, San Diego, CA
Stacie Wyss-Schoenborn, VP Member Services, BECU, Tukwila, WA ~ Sponsored by Open Solutions, Inc.
Every successful Credit Union uses some sort of promotion to influence members and perspective members. Please join us for a panel discussion where you will learn about cost-effective, easy-to-execute ideas that have the power to increase sales. The key is to find the methods that are appropriate for your business, marketplace, and brand.
Commercial Loan Underwriting: Avoiding Dangerous Pitfalls and Escaping Common Misconceptions Jim Devine, Chairman/CEO, Hipereon, Inc., Redmond, WA ~ Sponsored by CRIF Lending Solutions
Underwriting business loans can be a daunting task. Complicated issues and risks abound. In this interactive session, experienced commercial lending educators Jim Devine will share simple, powerful underwriting principles that, if consistently applied, will immediately improve the quality of your commercial loan decisions. Real-life examples and questions from the audience will bring these simple principles to life and help you identify the quickest ways to improve underwriting performance at your own credit union.
12:15 – 1:15 p.m.
MEMBERSHIP LUNCHEON (open to all attendees and sponsors) ~ Sponsored by Allied Solutions
1:30– 2:45 p.m.
BREAKOUT SESSIONS (All sessions repeat)
Mortgage Loans after the Refinance Boom
Steve Richman, National Sales Trainer, Genworth Financial Mortgage Insurance, Raleigh, NC
~ Sponsored by Prime Alliance Loan Solutions Powered by Cenlar
Now that mortgage rates are increasing and refinance volume has dropped dramatically, how are credit unions going to maintain mortgage market share? The Mortgage Bankers Association predicts purchase money volume will be 75% of the market by the 4th quarter of 2011. Credit Unions can’t rely on refinance business to walk in the door or call in. They need to be pro-active if they are going to maintain relevance by being active purchase money lenders. Steve Richman has great ideas for credit unions to be active mortgage lenders in a post refinance boom world.
Compliance Update for Lenders
Bill Klewin, Associate General Counsel, CUNA Mutual Group, Madison, WI ~ Sponsored by Silanis Technology
Changes and additions to regulations will occupy the time of your staff for the foreseeable future. This session will discuss what those changes are and what you will need to do to be ready to implement changes to the way you do business to meet those regulatory revisions.
Maximize your LOS (Loan Origination System)
Linda Moynihan Vance, VP U.S. Information Services, Transunion, Chicago, IL ~ Sponsored by TransUnion
Focusing on using your LOS to perform and provide the insight you need to strengthen your lending decisions and performance, is vital. Whether you are selecting a new LOS, upgrading your current LOS, or simply maximizing the use of your current system, this session will challenge you to ask the right questions and leverage the technology to strengthen your overall lending department
Housing and Mortgage Market Outlook
Frank Nothaft, VP/Chief Economist, Freddie Mac, McLean, VA ~ Sponsored by Federal Home Loan Bank System
This session looks at the macroeconomic environment and the potential trends ahead for housing and mortgage finance. What is the role of housing in the recovery? Which areas of the country are showing signs of improvement? What factors continue to weigh on distressed markets? How might public policy changes affect mortgage finance in the future?
2:45– 3:15 p.m.
NETWORKING BREAK -SPONSOR DRAWINGS
3:15– 4:30 p.m.
BREAKOUT SESSIONS REPEAT
Mortgage Loans after the Refinance Boom
Steve Richman, National Sales Trainer, Genworth Financial Mortgage Insurance, Raleigh, NC ~ Sponsored by Prime Alliance Loan Solutions Powered by Cenlar
Now that mortgage rates are increasing and refinance volume has dropped dramatically, how are credit unions going to maintain mortgage market share? The Mortgage Bankers Association predicts purchase money volume will be 75% of the market by the 4th quarter of 2011. Credit Unions can’t rely on refinance business to walk in the door or call in. They need to be pro-active if they are going to maintain relevance by being active purchase money lenders. Steve Richman has great ideas for credit unions to be active mortgage lenders in a post refinance boom world.
Compliance Update for Lenders
Bill Klewin, Associate General Counsel, CUNA Mutual Group, Madison, WI ~ Sponsored by Silanis Technology
Changes and additions to regulations will occupy the time of your staff for the foreseeable future. This session will discuss what those changes are and what you will need to do to be ready to implement changes to the way you do business to meet those regulatory revisions.
Maximize your LOS (Loan Origination System)
Linda Moynihan Vance, VP U.S. Information Services, Transunion, Chicago, IL ~ Sponsored by TransUnion
Focusing on using your LOS to perform and provide the insight you need to strengthen your lending decisions and performance, is vital. Whether you are selecting a new LOS, upgrading your current LOS, or simply maximizing the use of your current system, this session will challenge you to ask the right questions and leverage the technology to strengthen your overall lending department
Housing and Mortgage Market Outlook
Frank Nothaft, VP/Chief Economist, Freddie Mac, McLean, VA ~ Sponsored by Federal Home Loan Bank System
This session looks at the macroeconomic environment and the potential trends ahead for housing and mortgage finance. What is the role of housing in the recovery? Which areas of the country are showing signs of improvement? What factors continue to weigh on distressed markets? How might public policy changes affect mortgage finance in the future?
BREAKFAST – Visit with Sponsors ~ Sponsored by Experian
8:30 – 9 :30 a.m.
GENERAL SESSION
Life without Fannie and Freddie, What Can Be Done Now?
George Hofheimer, Chief Research Officer, Filene Research Institute, Madison, WI
Mark Lynch, CU Field Coach, Mark Lynch Consulting, Sault Ste Marie, MI
Moderator: Bill Vogeney, SVP/Chief Lending Officer, Ent FCU, Colorado Springs, CO
~ Sponsored by CMG Mortgage Insurance
What future will credit unions face if Fannie and Freddie no longer exist in their current form? Mark Lynch and George Hofheimer use modern day examples of other countries and how mortgage finance has evolved, without government guarantees and in some cases, without 30-year fixed rate mortgages.
9:30– 9:45 a.m.
NETWORKING BREAK
9:45 – 10:45 a.m.
CLOSING GENERAL SESSION
Leadership Strategies for a New Era
Mark Sievewright, President, CU Solutions Group, FiServ, Brookfield, WI ~ Sponsored by Newtek Business Services, Inc.
There’s a transformation underway in the U.S. financial services industry. Driven by profound changes in the economy, consumer demographics, the regulatory environment and technology, this transformation will have a dramatic effect on how credit unions do business and how they strategize and collaborate around products, services, and information. Credit union members - businesses and consumers, alike - are redefining what it means to be empowered and connected through a growing array of electronic devices and applications. Additionally, new generations of consumers are bringing with them new preferences, new thinking and new ways of doing business. This session will highlight the changes underway, the implications for credit unions and the leadership strategies they need to pursue.
This is the premier credit union lending conference. There is no excuse for a lender serious about their career, and serious about helping their credit union, to pass this conference.
I have been to many conferences in the past and this was, by far, the best investment of my time and the credit union's money.
This was my first CUNA Lending Conference and I can't wait to attend another one!
